Well, another year later and my credit limit is now up to $2200! I'm still holding onto it because my score is going up regularly and I got another card with double that limit. I still use this for one charge a month and pay it off. I don't know how people claim they have trouble making payments...I do mine online, usually from my phone, with not a single glitch in over 3 years. I get a credit line increase every 3-6 months, and they haven't even charged me for the last 2...which sounds bad, but again, I'm paying a small price to rebuild my histoy. That's the reality of it.